My husband and I came into First Heritage Mortgage with the hope of getting a fixed rate and a lower monthly payment for our 1st and 2nd mortgage. Mike Ott worked very hard to come up with several options for us and worked very hard to get a fair appraisal so we could get the best rates. The online processes were easy to use to upload documents and sign documents. The closing went quickly and we had no last minute issues. I highly recommend Mike Ott and First Heritage Mortgage.